We help businesses find workers' compensation insurance the way they want it. Take a look at our cash friendly programs including Pay As You Go workers comp coverage and our best selling programs by industry type. We're confident we can help you find lower rates and purchase more affordable coverage for your business.

A lot of business owners are misinformed regarding workers' comp insurance. Businesses know they need it, but they often don't understand how it works or how to buy it at the lowest rates possible. Learn more about workers' compensation insurance or contact one of our Specialists to get help with your questions about workers compensation insurance.

We provide our customer with the highest level of customer service and support. To get help with your insurance policy please choose one of the links to the right or contact us to get help with specific questions about your workers compensation policy or coverage.

We Help Agents and Payroll Bureaus Sell More Workers Compensation Insurance.

Because we are a national insurance agency specializing in workers compensation coverage, we have access to a ton of markets. If you are an agent or payroll provider we can help you write Pay As You Go insurance and more.

Workers Compensation Markets

Wholesale Workers Compensation

Looking for new or better workers compensation markets? Ever have trouble placing a risk due to the exposure or experience modification factor? We help agents and payroll service providers place more workers' compensation policies with our National Partner Programs.

We provide fast and knowledgeable workers' compensation brokerage services designed to help you and your customers find the most affordable workers compensation quotes in the least amount of time. Get access to cutting edge Pay As You Go programs and easy flexible payment options from more than 35 insurance companies.

National Agency

Become A Workers Compensation Shop.com Partner Today
we make it easy buy workers compensation

Workers Compensation Shop.com was founded in 2005 as a national online insurance agency. We specialize in the unique issues associated with workers' compensation insurance and the need businesses have for more affordable workmans comp coverage throughout the country.

The Workers Compensation Market Problem

Workers comp coverage might be the most important insurance product for small business owners because it protects you against claims that could potentially devastate your business. Unfortunately, many agents do not have real expertise in workers' compensation rules and regulations. They also don't have access to enough insurance companies to satisfy the needs of all types of industries.

Workers Compensation Shop.com is a national Agency, licensed throughout the United States.

Ohio is a Monopolistic State

The state of Ohio is one of the four remaining monopolistic states in the country. This means workers' compensation insurance can only be purchased through the Ohio State Fund. If you are a Ohio employer or you are doing work in the state of Ohio you will need to contact the Ohio Bureau of Workers Compensation (BWC) in order to purchase workers compensation coverage:

Ohio Bureau of Workers Compensation (BWCPhone: 1-800-OHIOBWC

Out of State Workers Compensation

Although Workers Compensation Shop.com can't help employers find coverage in the state of Ohio, we often help Ohio business owners purchase out-of-state workers comp coverage. If you are an Ohio employer doing business outside of the state, or you have employees who live outside of Ohio, please contact one of our Work Comp Specialists at 888-611-7467 to find affordable a workers compensation quotes for other states.

Contact one of Our Workers' Comp Specialists today to learn more about our national and multi-state insurance options or start a quote online if your business needs other state coverage outside of Ohio.

Monopolistic Work Comp States

There are four monopolistic states left in the country. These states have special laws that require employers in that state to purchase their workers comp coverage though the state's designated workers compensation program or State Fund. Private insurance companies are not permitted to offer coverage in these four states.

Ohio State Fund coverage is divided into two separate divisions. The Bureau of Workers Compensation (BWC) is responsible for offering state fund coverage and managing policy administration. The Industrial Commission of Ohio (IC) manages and administers all workers compensation claims in Ohio. The Ohio Workers Compensation Oversight Commission reviews asset investments and administrative rules.

Monopolistic State Fund Issues

Ohio Does Not Allow Free Competition

Multi-State Coverage Doesn't Work

The state of Ohio does not allow free-market competition and they are not part of NCCI. Rates vary significantly in non-monopolistic states and employers with limited losses or claims are rewarded with lower workers comp rates because of a) lower experience modifiers and b) scheduled credits.

Most private insurance carriers are licensed or authorized to offer workers compensation in most state throughout the U.S. Employers who do business in more than one state benefit because they can purchase coverage for multiple states from a single insurance carrier.

Industry Standards and Data Doesn't Exist

Separate Experience Modifiers Needed

Monopolistic states do not benefit from utilizing standardized classification systems and national data statistics for workers comp insurance. This causes problems for both Ohio employers and employers from other states doing work in Ohio. Special considerations are required.

Inter-state and intra-state experience modifiers are not standardized for monopolistic states and Ohio employers may have separate experience modifiers affecting the cost of their insurance coverage. NCCI combines employer experience modifiers in non-monopolistic states.

Find Out-of-State Work Comp Coverage.

SHOP COMP LIKE THE BUSINESS PRO YOU ARE

Did you know that the cost of a workers comp policy in Ohio can vary significantly between insurance company, underwriter, and insurance agency?

Getting Ohio Workers' Comp Insurance

2016 Ohio Coverage Requirements

Every Ohio employer is required to purchase workers compensation insurance regardless of the number of employees.

Sole-Proprietors and Partners are not required to cover themselves on workers compensation, but they can elect to be covered. A Notice of Election form may need be filed with The Ohio Bureau of Workers Compensation.

Corporate Officers are automatically included in Ohio coverage, but they may elect to be excluded using the proper exclusion form.

LLC Members will be treated as either a corporate officer or sole-proprietor depending on how they form their entity and how they are treated for income tax purposes.

2016 Payroll Requirements for Owners

Ohio does require minimum and maximum payroll requirements for business owners for the purposes of charging workers compensation premium. This calculation is based on the state average weekly wage.

Contractors doing business in Ohio may be subject to industry payroll limits for certain industry groups and may need maintain records to verify weekly wages paid to employees.

Ohio currently represents the largest of the four remaining monopolistic State Funds, with approximately $20 billion in assets. The BWC provides exclusive workers compensation insurance coverage to over 250,000 Ohio employers.

If you are looking for workers comp coverage for employees or work outside of the state of Ohio, give one of our Specialists a call today at 888-611-7467 or get started now with an online workers comp quote. We've helped hundreds of Ohio employers find more affordable coverage for their out of state insurance coverage.

Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.